William R. Fox
San Tan Valley,AZ
Summary
Results-driven professional with over 30 years of experience in customer service, mortgage underwriting, credit analysis, sales, and client development. Proven expertise in communication, problem-solving, and multitasking in high-pressure environments. Over 14 years of remote and hybrid work experience; consistently delivering high-quality results and ensuring customer satisfaction.
Overview
25
25
years of professional experience
Work History
In-Home Respite Provider
Guthrie Mainstream
01.2024 - Current
- Delivered compassionate support, education, and assistance to enhance well-being of individuals with special needs.
- Supported personal care, homemaking, and daily activities to ensure a safe, nurturing environment.
- Established trust through consistent communication, patience, professionalism, and tailored support.
- Facilitated virtual communication and collaboration with stakeholders.
Mortgage Underwriter
Keller Mortgage
10.2020 - 10.2023
- Underwrote residential mortgage loans using DU and LP, ensuring compliance with company policies and regulatory standards.
- Evaluated loan documentation and identified conditions, effectively communicating requirements and decisions to loan officers to facilitate loan processing.
- Managed multiple loan files with high accuracy and organization, demonstrating strong attention to detail in a fast-paced environment.
- Worked independently in a high-volume remote environment while consistently meeting quality and productivity expectations.
- Remote
Client Development Representative
Fourlane
05.2018 - 10.2020
- Cultivated client relationships through proactive outreach via calls, emails, and chat.
- Assessed client needs and proposed tailored accounting and business solutions.
- Schedule and conduct Zoom meetings with full presentation for the client along with the Account Manager and Owner.
- Drafted contracts, quotes, and engagement letters with precision and ensured timely follow-up.
- Consistently exceeded performance expectations and was recognized multiple times for outstanding results.
- Worked remotely to maintain communication with clients and team members.
- Received recognition as Client Development Representative of the Month multiple times.
Mortgage Underwriter II
Universal American Mortgage Company / Lennar
Tempe, AZ
02.2012 - 03.2018
- Underwrote residential mortgage loans, ensuring compliance with company and investor guidelines to mitigate risk.
- Analyzed credit, debt ratios, loan-to-value ratios, income, assets, and property valuations to determine eligibility and risk.
- Communicated underwriting decisions and requirements to internal business partners, facilitating smooth processing of loans.
- Recognized consistently for delivering accurate, efficient, and high-quality work in underwriting processes.
- Worked in a hybrid remote setting, balancing both in-office and remote tasks effectively.
- Underwriter of the Month: Aug. 2013, Sep. 2014, Apr. 2016, June 2017.
Mortgage Underwriter
Countrywide
Chandler, AZ
04.2006 - 02.2012
- Underwrote residential mortgage loans using DU and LP automated underwriting systems to ensure compliance and risk assessment.
- Reviewed documentation and managed loan conditions to facilitate timely loan approvals and enhance customer satisfaction.
- Ensured accuracy and attention to detail while managing multiple files and meeting deadlines, contributing to overall operational efficiency.
- Received recognition for exceptional performance and underwriting quality.
- Earned Underwriter of the Month award for exceptional performance in May 2007 and October 2008.
Commercial Underwriter / Credit Analyst
The CIT Group
Tempe, AZ
07.2001 - 01.2006
- Conducted detailed financial statement and ratio analysis to evaluate creditworthiness and guide credit decisions.
- Analyzed commercial credit transactions to assess financial risk and creditworthiness, supporting informed lending decisions.
- Prepared comprehensive credit presentations and funding documentation to facilitate efficient review and approval processes.
- Recognized for thorough analysis, accuracy, and consistent performance.
- Received the "Analyst of the Month" award in November 2002 and April 2004 for exceptional performance.
Education
High School Diploma -
Dobson High School
Mesa, AZUniversity of Phoenix
Tempe, AZSkills
- Customer Service & Communication:
- Client relationship management Multichannel communication Conflict resolution
- Remote & Business Skills:
- Remote Work Multitasking Time Management Independent Work High-volume environments
- Financial & Compliance:
- Mortgage underwriting
- Technology:
- Salesforce
Timeline
In-Home Respite Provider
Guthrie Mainstream
01.2024 - Current
Mortgage Underwriter
Keller Mortgage
10.2020 - 10.2023
Client Development Representative
Fourlane
05.2018 - 10.2020
Mortgage Underwriter II
Universal American Mortgage Company / Lennar
02.2012 - 03.2018
Mortgage Underwriter
Countrywide
04.2006 - 02.2012
Commercial Underwriter / Credit Analyst
The CIT Group
07.2001 - 01.2006
High School Diploma -
Dobson High School
University of Phoenix